Any Malaysian and Permanent Resident residing in Malaysia who is between 18 and 59 years of age at the date of first enrolment. Cover may be renewed up to the maximum age of 80.

Cancer can affect anyone from all walks of life and it is being detected in younger generations more and more frequently. With early diagnosis and proper treatment, it is often curable. This Product could take care of your financial needs during the challenging time. 

1. For early stage cancer, your cover will commence after a waiting period of 60 days.
2. For critical stage cancer or hospitalisation occuring as a result of an illness or accident, your cover will commence after a waiting period of 30 days.

A product with a survival period may only pay your claim if you can survive the stated period after being diagnosed, subject to the terms and conditions of the product. The survival period for a covered cancer is 14 days after diagnosis.

Pre-existing illnesses shall mean disabilities that the Insured Person has reasonable knowledge of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:

• The Insured Person had received or is receiving treatment;
• Medical advice, diagnosis, care or treatment has been recommended;
• Clear and distinct symptoms are or were evident; or
• Its existence would have been apparent to a reasonable person in the circumstances.

No, you do not unless you have a medical history for which we may ask for your latest medical records.

This is an annual renewable policy and premium will be adjusted when the Insured Person enters a higher age band.

There is a “Cooling-off Period” of 15 days given to the policy owner to review the suitability of the newly purchased MSIG Cancer Care 365 Insurance. If the Policy is returned to the insurer during this period, the full premium will be refunded to the policy owner minus any administrative expenses incurred. 

After the “Cooling-off Period”, you may cancel the cover at any time by giving written notice to the Company. Premium will be refunded to the policy owner in accordance with the short period scale provided there is no claim made during the period of insurance.

Please provide written notice to the Company with full details within 30 days upon the diagnosis of an illness or injury. You can find a copy of the claims form here, or you may contact any MSIG Branch or your Insurance Adviser to obtain a copy of the claim form. Submit the completed claim form to the Company together with all relevant documents as soon as possible.

Just complete the proposal form here and send it to us, or your Insurance Adviser.

If you have a complaint about our product or services, or you are not satisfied with the rejection or offer of any settlement of a claim, you should first try to resolve the complaint with our Customer Service Centre.

If you are still not satisfied with the decision, you can write either to the BNMLINK of Bank Negara Malaysia or the Financial Markets Ombudsman Service (FMOS) (formerly known as Ombudsman for Financial Services (OFS)), free of charge.